Date Received: 2023-01-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am reporting this agency and the company called as : JEFFCAPSYS and XXXX XXXX XXXX for the abuse of placing on my credit report a deceiving information that I am owning some money to pay in the amount of {$1100.00} when this charges were fixed and settled by XXXX XXXX top managers 6 years ago. I used to have this account and once I have travel internationally, my phone line was charged roaming for international data used when I did not requested any of that kind of service. therefore, I had reported to XXXX XXXX XXXX as fraudulent action that XXXX XXXX has taken to get money from people. XXXX contacted and submitted my complaint to XXXX and some manager which I dont remember his name handled this mistake since it was not my fault. I was told at the time that my account shows {$0.00} balance and will be removed any damages. However, this JEFFCAPSYS do not understand it and refused to take it out of my credit report. XXXX XXXX should have records of their mistakes and complaints from XXXX on file against them.
Company Response:
State: CT
Zip: 063XX
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: i gave a verbal cease and desist and now they are trying to call me on my cell phone wich is illegal. ( 15 U.S.C. 1692c ). they are to stop all contact or ill sue the XXXX out of them. the debt is over the statute of limitations.
Company Response:
State: IA
Zip: 50158
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: These con people are conning me with there customer service there are in violation of 15 usc 1681i ( 5 ) The date on there contract, which is for XX/XX/31 which are is in the future, which means void. They sold illegal debt to jefferson capital system llc, Jefferson capital system stated they they been ask for trade line be removed and deleted last year. The address they have of me is not mines never have live there. My credit report can prove it on XXXX i ask can they please send me original contract with my signature to verify debt instead they are making up paperwork to send me to validate debt also i am a victim of XXXX XXXX breach They are in violation of 15 USC 1681 section 602A which states I have the right to privacy!! also in violation 15 U.S. Code 1681 i7 show steps how proof was obtain They are also in violation 15 USC 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without any written authorization!! 15 U.S. Code 1611- Criminal liability for willful and knowing violation
Company Response:
State: NV
Zip: 89032
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have two loans with XXXX that are reporting on my credit report. On XX/XX/2022, I received an email that my loans were being transferred to Jefferson Capital Systems. I have contacted Jefferson Capital Systems every 2 days since this date to attempt to pay in full, and they have told me that they have no record of my loan. Each time I call, they tell me to call back in 2 days and they should have it in their system. I have also contacted XXXX, the original creditor, to attempt to make payment and they say that they also have no record of this and I need to contact the new creditor, Jefferson Capital Systems. But when I call Jefferson Capital, they still tell me they have no record. I have been attempting to pay this for over a month now but neither creditor ( XXXX or Jefferson Capital ) has any record of my loan and have not given me a way to pay. I need to either have an option to make a payment on this loan or I need it removed from my credit report.
Company Response:
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This debt is a result of identity theft. Documents were sent to the original creditor.
Company Response:
State: GA
Zip: 30260
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: An unknown account was reported to my XXXX credit report in the amount of {$1900.00}. As shown on my credit report, an account was opened through XXXX XXXX and sold to a collection agency called Jefferson Capital Syst. From the XXXX credit report, it reflects that the account was reported on XX/XX/2022.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I had received multiple phone callls from a debt collector that I had no knowledge of after I said I didnt own a vehicle and that I was not going to pay the debt collector because my auto loan account was sold or given to another company/debt collection agency the gentleman then said Ill go ahead and make sure your credit and your life is put under fraud and then proceeded to say I will also get you deported because he was a fbi agent then he hung up the phone and all my information was then hacked
Company Response:
State: TX
Zip: 780XX
Submitted Via: Web
Date Sent: 2023-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-22
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Jefferson Capital Systems placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports. I never receive written notification of this alleged debt at my address of XXXX XXXX XXXX, XXXX PA XXXX.
Company Response:
State: PA
Zip: 19104
Submitted Via: Web
Date Sent: 2023-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: To Whom It May Concern, I am writing to file a complaint against JEFFERSON CAPITAL SYSTEMS for violating various provisions of the Fair Credit Reporting Act ( FCRA ) and to request the consumer financial protection bureau to follow up on my requests for information. I am requesting validation and verification of the alleged debt being collected by Jefferson Capital Systems. Request for validation of the debt : I am requesting a validation of the debt being collected by Jefferson Capital Systems along with this complaint. The Truth in Lending Act ( TILA ), which is part of the Consumer Credit Protection Act ( CCPA ) of 1968, requires creditors to disclose important information about the cost and terms of credit to consumers before they enter into a credit transaction. This helps consumers understand the terms and costs of a credit transaction and make informed decisions about whether to enter into the transaction. Debt collectors, on the other hand, are regulated by the Fair Debt Collection Practices Act ( FDCPA ), which regulates their behavior and communication with consumers. In any request for validation of the debt, these laws work in tandem. XXXX addresses issues between a creditor and a consumer, while the FDCPA addresses issues between a debt collector and a consumer. In this case, Jefferson Capital Systems has assumed both the role of creditor and collector, by buying the debt from the original creditor. I am requesting detailed proof that the debt is valid, including a copy of the original contract or agreement with my wet signature, and a detailed and signed contract or agreement that the debt collector or current creditor has the legal right to collect on the debt, including the signed terms between the creditor and collector ( Jefferson Capital Systems ) sold along with the debt, the amount of the debt, and the name, address, and phone number of the original creditor. Under the FDCPA, Section 809 ( a ) states that a debt collector ( Jefferson Capital Systems ) must provide validation of the debt to the consumer within five days of the initial communication. I did not receive this validation, which constitutes a violation of the law. Furthermore, the failure to validate this debt violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1692g ( b ), which protects consumers from being pursued for debts they do not owe or have already been paid. I request Jefferson Capital Systems to send me the validation of this debt as requested above. If Jefferson Capital Systems fails to validate the debt, I dispute the debt, and request Jefferson Capital Systems to contact the credit reporting agencies to remove the debt from my credit report, as per 15 U.S.C. 1681s-2 ( a ). Request for verification of the debt : I am also writing within this complaint, a direct request for information from Jefferson Capital Systems regarding the original contract of the debt that I am being pursued for. Pursuant to the Fair Credit Reporting Act ( FCRA ), as a consumer, I have the right to request verification of the debt. The information I am requesting ( 15 items ) includes : The original creditor 's name and account number associated with the debt The name and address associated with the debt The date the account was opened and the date it was charged off or sent to collections The date the account was first reported as delinquent to the original creditor ( original default date ) Itemized billing and payment history associated with this debt The original amount of the debt and the current balance A signed copy of the original contract or agreement, including any terms and conditions that were agreed upon A signed agreement/contract that shows the debt has been assigned or sold to the collection agency The signed terms of debt assignment to the collections agency by the original creditor Information about any interest, fees, or penalties that have been added to the debt Signed proof of ownership of this alleged debt, including documentation or proof that the collection agency has the legal right to collect the debt, such as a signed copy of the original contract or loan agreement The current account number associated with the debt A breakdown of any fees or interest that have been added to the debt Information on any previous collection agencies that attempted to collect the debt The statute of limitations on the debt in Illinois. The FCRA requires Jefferson Capital Systems to provide this information within 30 days of receipt of this request ( 15 U.S.C. 1692g ( a ) ). Any failure to verify this debt as requested above violates the FCRA, specifically 15 U.S.C. 1692g ( b ). In the event that Jefferson Capital Systems fails to verify the debt, I dispute the debt and request Jefferson Capital Systems to contact the credit reporting agencies to remove the debt from my credit report, as per 15 U.S.C. 1681s-2 ( a ). It is important for Jefferson Capital Systems to note the written nature of these requests for validation and verification of information on the debt. Similarly, the responses must be made in writing, and failure by Jefferson Capital Systems to comply with these requests may result in a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Furthermore, these requests are in line with the FCRA which requires the collections agency to provide me with the documentation that I have requested. Specifically, FCRA Section 609 ( a ) ( 1 ) requires that Jefferson Capital Systems must provide me with the information that is used to calculate my credit score. Lastly, within this complaint, I am writing to express my concern about the abuse that I have suffered at the hands of Jefferson Capital Systems. I am calling on the Consumer Financial Protection Bureau ( CFPB ) to closely monitor their practices and hold Jefferson Capital Systems accountable for their actions. The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to reinvestigate credit reports when they receive notice of a dispute, as per 15 U.S.C. 1681i ( a ) ( 1 ) ( B ). I believe that the CFPB has an important role to play in ensuring that credit reporting agencies comply with this requirement and that consumers like myself are protected from unfair treatment. I respectfully request the CFPB to require an update of my credit report to reflect the accurate reporting that the law requires and request the deletion of any information relating to this complaint that is invalid and unverified and being reported by Jefferson Capital Systems. Just like all Americans, I believe that my credit report should only contain accurate and verified information. I appreciate your attention to my long complaint and to this matter and look forward to your response. Sincerely, XXXX XXXX
Company Response:
State: IL
Zip: 60638
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: This complaint is for XXXX XXXX. They are a third party which has no affiliation to me what so ever. I did not go into contract with them, I also did not ask them to continue contacting me or report anything about me.
Company Response:
State: AL
Zip: 36867
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A